50 institutions reported rising Other Real Estate Owned (OREO) balances in Q1 2026. AMERICAN STATE BANK in TX led the group with a 2.2% increase, followed by SNB BANK NATIONAL ASSN in OK at 1.6% and FIRST FEDERAL BANK OF LA in LA at 1.4%.

OREO Accumulators

Sorted by QoQ Δ OREO/Assets ↓

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Rank	Institution	Source	State	QoQ Δ OREO/Assets
1	AMERICAN STATE BANK	BANK	TX	+2.2
2	SNB BANK NATIONAL ASSN	BANK	OK	+1.6
3	FIRST FEDERAL BANK OF LA	BANK	LA	+1.4
4	CROWN BANK	BANK	NJ	+1.3
5	LAMONT BANK OF ST JOHN	BANK	WA	+1.3
6	COMMUNITY FIRST NB	BANK	KS	+1.2
7	KENTLAND BANK	BANK	IN	+1.1
8	STOCKMENS NB IN COTULLA	BANK	TX	+1.0
9	NORTHWESTERN BANK NA	BANK	MN	+0.9
10	CITY BANK&TRUST CO	BANK	LA	+0.8
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	QoQ Δ OREO/Assets	Trend
11	MRV BANKS	BANK	MO	████	████
12	GRINNELL STATE BANK	BANK	IA	████	████
13	FIRST SECURE COMMUNITY BANK	BANK	IL	████	████
14	FORESIGHT BANK	BANK	MN	████	████
15	PINELAND BANK	BANK	GA	████	████
16	T BANK NATIONAL ASSN	BANK	TX	████	████
17	CITIZENS COMMUNITY BANK	BANK	IL	████	████
18	STONE BANK	BANK	AR	████	████
19	COMMUNITY FIRST BANK	BANK	MN	████	████
20	COMMUNITY FIRST BANK OF IN	BANK	IN	████	████
21	FIRST NB OF OKLAHOMA	BANK	OK	████	████
22	DIETERICH BANK	BANK	IL	████	████
23	COASTAL HERITAGE BANK	BANK	MA	████	████
24	FARMERS&MERCHANTS NB NASHVIL	BANK	IL	████	████
25	PREFERRED BANK	BANK	IL	████	████
26	FNB COMMUNITY BANK	BANK	OK	████	████
27	PEOPLES BANK&TRUST CO	BANK	OK	████	████
28	FIRST STB OF THE SOUTH INC	BANK	AL	████	████
29	CITIZENS BANK&TRUST CO	BANK	LA	████	████
30	ARLO BANK	BANK	MO	████	████
31	FIRST CAPITAL BANK	BANK	TX	████	████
32	FIRST TEXAS BANK	BANK	TX	████	████
33	NEW ERA BANK	BANK	MO	████	████
34	AMERISTATE BANK	BANK	OK	████	████
35	GLOBAL BANK	BANK	NY	████	████
36	TEXAS CHAMPION BANK	BANK	TX	████	████
37	NEW WASHINGTON STATE BANK	BANK	IN	████	████
38	MILFORD BUILDING&LOAN ASSN	BANK	IL	████	████
39	EAGLE BANK	BANK	MN	████	████
40	STATE BANK OF TOLEDO	BANK	IA	████	████
41	STATE BANK OF TEXAS	BANK	TX	████	████
42	FARMERS TRUST&SAVINGS BANK	BANK	IA	████	████
43	FIRST STATE BANK	BANK	TX	████	████
44	CROSS BANK	BANK	AR	████	████
45	BRADFORD NB OF GREENVILLE	BANK	IL	████	████
46	CITIZENS INDEPENDENT BANK	BANK	MN	████	████
47	CITIZENS SAVINGS B&T CO	BANK	TN	████	████
48	GRAND TIMBER BANK	BANK	MN	████	████
49	FALCON NATIONAL BANK	BANK	MN	████	████
50	AMERICAN FIRST NATIONAL BANK	BANK	TX	████	████

Methodology

Other Real Estate Owned (OREO) is property an institution has taken onto its balance sheet through foreclosure or deed-in-lieu, held pending sale. A rising OREO balance is a back-of-cycle stress signal — workouts that have completed the foreclosure pipeline and converted into property the institution must now dispose of. This card ranks institutions across both banks and credit unions by the quarter-over-quarter change in the OREO-to-total-assets ratio (oreo_qoq_delta_pct), surfacing the top 50 with a delta that meets or exceeds 0.001 (a 0.1 percentage-point QoQ increase in the OREO share of total assets). For banks (FDIC-insured): OREO — FFIEC Call Report Schedule RC-M item 3f (RCON2150 — RC-M items are RCON-only); total assets denominator — Schedule RC (RCFD2170 / RCON2170). For credit unions: foreclosed real estate (CU OREO equivalent) — NCUA ACCT_798; total assets denominator — NCUA ACCT_010. Cross-type comparability: bank OREO and CU foreclosed real estate (ACCT_798) are broadly analogous — both capture post-foreclosure real-estate inventory — but bank Schedule RC-M item 3f additionally bundles ex-bank-premises and other repossessed real estate that CU reporting tracks in separate accounts. Treat per-quarter QoQ deltas as comparable; cross-sectional totals remain LCD approximations. Methodology updated 2026-03-31: bank OREO balances now source directly from FFIEC Call Report Schedule RC-M item 3f (RCON2150). Prior quarters used the FDIC BankFind Suite financials endpoint ORE field family. The two should agree within tolerance; this update reflects the source-of-truth change, not a value-change in the underlying filing. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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